We don’t have to point out that fact that insurance companies want to keep you from comparing rates. Consumers who get comparison quotes at least once a year will, in all likelihood, switch auto insurance companies because there is a significant possibility of finding lower prices. Remarkably, a study showed that consumers who made a habit of comparing rate quotes saved $865 annually compared to other drivers who don’t make a habit of comparing rates.
If finding the most affordable car insurance is your objective, then having a good understanding the best ways to shop for insurance premiums can help simplify the process.
Truthfully, the best way to quote cheaper Lexus RC F insurance is to make a habit of regularly comparing prices from different companies in Pittsburgh. Prices can be compared by following these guidelines.
Step 1: Try to comprehend coverages and the modifications you can make to lower rates. Many things that increase rates like at-fault accidents, careless driving, and a less-than-favorable credit rating can be eliminated by making small lifestyle or driving habit changes.
Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO or Allstate, while independent agencies can quote rates for many different companies.
Step 3: Compare the new quotes to your existing coverage and determine if there is any savings. If you find better rates and decide to switch, ensure coverage does not lapse between policies.
Step 4: Notify your current company of your intention to cancel your current car insurance policy and submit the application along with any required down payment to the new company. Be sure to keep your new proof of insurance paperwork with your vehicle’s registration.
An essential thing to point out is to compare similar coverage information on every price quote and and to get prices from as many companies as feasibly possible. Doing this guarantees an apples-to-apples comparison and the most accurate and complete price analysis.
Finding affordable auto insurance coverage in Pittsburgh can really be easy if you know what you’re doing. Essentially everyone who comparison shops for auto insurance most likely will find a lower price. But Pennsylvania vehicle owners should learn the way companies price online insurance because rates are impacted by many factors.
Low Cost companies for Lexus RC F insurance
The providers in the list below offer comparison quotes in Pennsylvania. To buy the cheapest auto insurance in Pittsburgh, we suggest you visit several of them to get the most competitive price.
Determine discounts on Pittsburgh car insurance
Car insurance companies don’t necessarily list every discount very clearly, so here is a list some of the best known as well as the least known discounts that you can inquire about if you buy Pittsburgh auto insurance online. If you aren’t receiving every discount you qualify for, it’s possible you qualify for a lower rate.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use their safety belts could cut 10% or more off the medical payments premium.
- Senior Citizen Rates – If you’re over the age of 55, you can get lower premium rates.
- Theft Prevention Discount – Cars optioned with advanced anti-theft systems are stolen with less frequency and will qualify for a discount on a Pittsburgh auto insurance quote.
- Pittsburgh Homeowners Discount – Owning your own home or condo may earn you a small savings because it demonstrates responsibility.
- Club Memberships – Having an affiliation with qualifying clubs or civic groups is a good way to get lower rates on car insurance.
A little disclaimer on discounts, some credits don’t apply to the entire cost. Most only cut the price of certain insurance coverages like comp or med pay. So even though you would think all those discounts means the company will pay you, that’s just not realistic. Any qualifying discounts will positively reduce your policy premium.
For a list of companies offering car insurance discounts in Pennsylvania, click here.
Insurance agent or online?
Some people just want to talk to a local agent and often times that is recommended One of the best bonuses of getting free rate quotes online is you may find the lowest rates and still buy from a local agent.
To make it easy to find an agent, after completing this quick form, your information is emailed to local insurance agents in Pittsburgh that give free quotes for your auto insurance coverage. You won’t need to find an agent due to the fact that quote results will go directly to your email. You can get cheaper auto insurance rates and an insurance agent to talk to. If you have a need to get a price quote from a specific company, just search and find their rate quote page and fill out their quote form.
Deciding on an insurance company should depend on more than just a cheap price. A good agent in Pittsburgh will have answers to these questions.
- Do they get extra compensation for selling add-on coverages?
- Do the agents have professional certifications like CPCU or CIC?
- Is the agency active in community causes in Pittsburgh?
- What are their preferred companies if they are an independent agency?
- Is their price quote a firm figure or are their hidden costs?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
If you want to use a reliable agent, it’s helpful to know the different types of agencies that you can select. Auto insurance policy providers are classified as either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agencies
Agents that choose to be exclusive work for only one company such as Allstate, State Farm and Farmers Insurance. They are unable to provide rate quotes from other companies so it’s a take it or leave it situation. They are trained well on their company’s products and that allows them to sell at a higher price point. Many people buy insurance from these agents mostly because of the brand instead of buying on price only.
Listed below is a list of exclusive insurance agencies in Pittsburgh that are able to give rate quotes.
- Adriana Pasquini – State Farm Insurance Agent
735 Copeland St, FL2, Pittsburgh 15232 – FL2, PA 15232 – (412) 904-1268 – View Map
- Michael Dear State Farm
2632 Brownsville Rd – Pittsburgh, PA 15227 – (412) 884-9700 – View Map
- Joy Capozzi – State Farm Insurance Agent
3111 Banksville Rd #207 – Pittsburgh, PA 15216 – (412) 344-3014 – View Map
Independent Auto Insurance Agencies
Independent insurance agents are not restricted to one company so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house which makes it simple for you. If you need cheaper auto insurance rates, we recommend you get some free quotes from multiple independent agents to get the most accurate price comparison. A lot of them also have access to companies you’ve never heard of who may have lower rates.
The following are Pittsburgh independent insurance agents that can give you comparison quotes.
- Murray Insurance Agency
1565 McFarland Rd – Pittsburgh, PA 15216 – (412) 561-1600 – View Map
- Insurance Consultants Of Pittsburgh
300 Mt Lebanon Blvd – Pittsburgh, PA 15234 – (412) 344-2800 – View Map
- Liberty Insurance Agency
1910 Cochran Rd #800 – Pittsburgh, PA 15220 – (412) 571-5700 – View Map
Pennsylvania auto insurance companies
Finding a highly-rated auto insurance company can be a challenge considering how many companies there are to choose from in Pennsylvania. The ranking information shown next could help you pick which car insurance providers to look at purchasing from.
Top 10 Pittsburgh Car Insurance Companies Overall
- The General
- Titan Insurance
- The Hartford
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
One last thing about your coverage
Consumers switch companies for a variety of reasons including delays in paying claims, questionable increases in premium, an unsatisfactory settlement offer and even delays in responding to claim requests. Regardless of your reason, finding a great new company is pretty easy and you might even save some money in the process.
Some companies don’t offer rates over the internet and usually these regional insurance providers only sell coverage through independent agents. Lower-priced car insurance in Pittsburgh is possible from both online companies and also from your neighborhood Pittsburgh agents, so you should be comparing quotes from both to get a complete price analysis.
When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. There are many occasions where an accident victim reduced liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.
Additional detailed information is available in the articles below:
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Who Has Affordable Car Insurance for Immigrants in Pittsburgh? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Drivers Over Age 60 in Pittsburgh? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Ford Escape in Pittsburgh? (FAQ)
- Auto Insurance Basics (Insurance Information Institute)
- Choosing a Car for Your Teen (State Farm)
- Collision Coverage (Liberty Mutual)